{"id":61349,"date":"2024-02-07T16:17:46","date_gmt":"2024-02-07T08:17:46","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=61349"},"modified":"2024-02-07T03:28:41","modified_gmt":"2024-02-06T19:28:41","slug":"loan-guarantor-risks","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/loan-guarantor-risks","title":{"rendered":"Should You Be A Loan Guarantor For Your Friends And Family?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In Malaysia, a guarantor plays a crucial role in the borrowing process. They are essentially responsible for assuring the bank or financial institution that someone will repay the loan if the borrower disappears.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Specific to Malaysia, banks have the right to demand repayment from both the guarantor and borrower simultaneously. They are not obligated to pursue repayment from the borrower first before approaching the guarantor. However, banks will generally try their best to recover the loan from the borrower first.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who-can-be-a-guarantor\"><\/span>Who can be a guarantor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Guarantors are generally divided into two types: social guarantors and non-social guarantors. A social guarantor typically takes on the responsibility without expecting any financial gain. They are often the family or friend of the borrower who wants to help them out in a non-profit context. They can be guarantors for an education loan, or personal car and housing loan. Under the <a href=\"https:\/\/www.mdi.gov.my\/images\/documents\/Laws\/new\/Act360-Reprint2017.pdf\" target=\"_blank\" rel=\"noopener\">Insolvency Act 1967 section 5(3)<\/a>, social guarantors will enjoy immunity from all creditors bankruptcy actions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, non-social guarantors will guarantee a loan for a profit-driven reason. These will likely be related to a commercial or business loan. For example, if a company director personally guarantees a loan taken by the company, this falls in the category of non-social guarantor. The new Insolvency Act 1967 also provides non-social guarantors with additional protection. However, they do not enjoy immunity from bankruptcy actions taken by creditors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not everyone can be a loan guarantor. Banks and financial institutions will often have certain criteria that you must meet if you intend to become one. These can include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must be 18-years old or above<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must clearly understand their responsibilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must voluntarily agree to the role without any form of pressure or deception<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Should not be in a state of bankruptcy<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why-would-you-need-a-loan-guarantor\"><\/span><b>Why would you need a loan guarantor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are a few reasons as to why someone would need to get a loan guarantor:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"No-credit-history\"><\/span><b>No credit history<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is much harder to obtain a loan if your credit history is lacking. This is especially common among younger individuals, especially those who come from overseas to work.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Recently-started-a-new-job\"><\/span><b>Recently started a new job<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bankers tend to prefer handing out loans to those with stable employment as it translates to stable income. This makes them less inclined to approve the loans of those who have recently changed jobs and don\u2019t have the prerequisite three months salary slip available yet.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Low-income\"><\/span><b>Low income<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Individuals with low income may not be able to meet the requirements set by the bank or financial institution. A guarantor with higher and more stable income would be required under such circumstances.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Poor-credit-score\"><\/span><b>Poor credit score<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">People with low credit scores are unlikely to get their loan application approved, as the banks cannot trust them with repaying their debts on time. A guarantor can help to alleviate some of the risks associated with approaching such loans.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Financial-commitments\"><\/span><b>Financial commitments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Certain financial obligations such as renting properties, securing personal or business loans, financing a car, or obtaining a mortgage may require a guarantor. This is especially true if the loan amount is substantial.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Advantages-and-disadvantages-of-being-a-loan-guarantor\"><\/span><b>Advantages and disadvantages of being a loan guarantor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-1916\" class=\"tablepress tablepress-id-1916\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Advantages<\/th><th class=\"column-2\">Disadvantages<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Helps borrowers obtain a loan by providing financial institutions with additional security.<\/td><td class=\"column-2\">The guarantor risks assuming debt responsibility should the borrower fail to repay what they owe on time.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Increased borrower\u2019s potential loan amount as a guarantor can affect how much a bank is willing to lend.<\/td><td class=\"column-2\">The guarantor\u2019s own credit score may take a hit should the borrower default. Under the most severe circumstances, the guarantor could face bankruptcy.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Improve the borrowers credit history by encouraging the borrower to consistently pay off their debts in a timely fashion.<\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1916 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"Your-rights-as-a-guarantor\"><\/span><b>Your rights as a guarantor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to this <\/span><a href=\"https:\/\/www.malaysia.gov.my\/portal\/content\/30819\"><span style=\"font-weight: 400;\">MyGov portal<\/span><\/a><span style=\"font-weight: 400;\">, here are your rights before and after you signed the agreement:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarantors are eligible to have a copy of the signed contract or any related documents pertaining to the loan facility.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarantors have the right to be briefed on the contract before signing the agreement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarantor is able to ask the borrower to settle the outstanding of his\/her liability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarantors have the right to know the loan balance outstanding with the consent of the borrower.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Guarantor-Principle\"><\/span><b>Guarantor Principle<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guarantors must understand the type of loan and understand the obligation as a guarantor before signing the agreement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get legal advisory on the implications of being a Guarantor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure that the agreement is not against the law.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ask-yourself-these-questions-before-you-become-a-guarantor\"><\/span><b>Ask yourself these questions before you become a guarantor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Are-you-fully-aware-of-the-financial-responsibilities-involved-with-being-a-guarantor\"><\/span><b>Are you fully aware of the financial responsibilities involved with being a guarantor?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It cannot be stressed enough that you need to understand what you are getting yourself into if you plan to become a guarantor for someone else. It is crucial to assess if you are financially stable enough to handle the coming challenges.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do-you-trust-the-borrower-to-fulfill-repayment-terms-independently\"><\/span><b>Do you trust the borrower to fulfill repayment terms independently?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Be sure to fully evaluate your trust in the borrower and their ability to repay their loan on time. If the borrower has a shaky financial history or if you have doubts about their ability to make payments, then you should think twice about being their guarantor.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do-you-understand-the-circumstances-that-require-your-intervention-as-a-guarantor\"><\/span><b>Do you understand the circumstances that require your intervention as a guarantor?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once again, you have to be absolutely sure about the circumstances which will require you to step in and pay on behalf of your charge, as well as understanding when the lender might consider the borrower as having defaulted.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are-you-prepared-for-the-financial-consequences-of-being-a-guarantor\"><\/span><b>Are you prepared for the financial consequences of being a guarantor?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Being a guarantor comes with risks. It can negatively affect your credit score if you are not careful, thus affecting your ability to take loans in the future. You must also be aware that your financial obligations as a guarantor can last for some time.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can be an excellent way to help friends or family, but with risks.<\/p>\n","protected":false},"author":58,"featured_media":61353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218,9],"tags":[1039,1965,766,667],"class_list":["post-61349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","category-personal-loan","tag-loan","tag-loan-guarantor","tag-money-management","tag-personal-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Risks Of Being A Loan Guarantor<\/title>\n<meta name=\"description\" content=\"Being a loan guarantor can really help out your family who do not have an established credit history. 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